We understand the unique risks associated with running a nonprofit organization and how a large and unexpected loss could be devastating not only to the organization but to the community you serve.
We’ve Got You Covered
At Steve DeCarli Insurance Services, we understand the unique risks associated with running a nonprofit organization and how a large and unexpected loss could be devastating not only to the organization but to the community you serve. Here’s a rundown of the types of insurance that may be best for your nonprofit.
General Liability Insurance
General Liability Insurance protects you if your business is found liable for another’s injury, illness, or damage to property through negligence of the nonprofit including the actions of your volunteers. Additionally, your policy should extend to cover fundraising events away from your premises.
Whether you own or rent your office which your nonprofit occupies you should consider purchasing insurance to cover your Building, Business Personal Property and Business Income.
Insurance for your owned and non-owned vehicles is necessary to protect your nonprofit. Even if you do not own any vehicles, you should consider your exposure if your staff or volunteers drive their personal vehicles in their duties of the nonprofit.
Directors and Officers Insurance
Nonprofit Directors & Officers (D&O) Liability insurance helps cover the defense costs, settlements and judgments arising out of lawsuits and wrongful act allegations brought against a nonprofit organization. As board members, they may be held personally liable for the actions of the organization.
Workers comp insurance covers any work-related injuries or illnesses that employees may experience.
Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.
Cyber Risk Liability including ADA protection
In today’s time of cyber-attacks, one successful hack, a lost laptop or document can cause a data breach which could impact the privacy and security of your employees, customers or others.
You should consider coverage which will protect against losses due to any unauthorized breach of your cyber security including protection against lawsuits, forensic investigations, fines and cyber extortion.
Some of the many industries we serve:
- Agriculture & Agribusiness
- Food Services
- Medical Offices
- Non-Profits & Social Services
- Property & Building Owners
- Retail / Wholesale
- Transportation / Truckers